Just because the banks are having a hard time handling their money doesn't mean you have to: you just have to pick the bank offering the best type of savings account to make your money work for you. Here's a look at five of the most popular banks with great high-interest savings options.

Capital One has made a name for itself recently thanks to its Venture Visa credit card (What's in your wallet?) but the bank's online savings, checking, and rewards-based money market accounts are still among the market's leading interest-bearing products. If you prefer, you can always visit a local branch and see what's available offline, but Capital One's online tools and account management features are strong.

Ally Bank used to be a little known entity called GMAC Bank, which took the financial meltdown as an opportunity to split off from GMAC Mortgage, re-brand itself, reorganize, and launch as a new entity. The new Ally Bank was well received, offering market-leading interest rates on CDs and money market accounts. This is especially true in their flagship "Raise Your Rate" program, which allows you to bump up your rate if you choose.

Billed as the first "social bank," SmartyPig is a name we've mentioned, and is another bank that's made use of the web and social media to make a name for itself. SmartyPig combines a strong social media presence, mobile apps, and a huge emphasis on planning to help its customers save money for the future. SmartyPig's financial offerings center around competitively marketed interest-bearing accounts and rewards credit cards and less traditional checking or investment accounts.

ING Direct made a name for itself as one of the first banks that offered high-yield savings accounts that you could open, set up, and manage entirely online. They also consistently offered interest rates that beat even larger, well-established brick-and-mortar banks. Even today, ING offers a variety of savings and money market account at impressive rates.

Most people know only know Discover credit cards, and while that is their primary business, they offer savings and interest-bearing accounts as well. Discover's savings products are very competitively priced savings and money market accounts, and high-interest CDs. Best of all, anyone can apply: you don't have to be a Discover cardmember to sign up.

Now that you've seen the top five, it's time to vote for an all-out winner.